Consumer Complaint Index

To file a complaint, a fraud report or ask questions about lines of insurance or agents, brokers and insurers, contact Consumer Insurance Hotline: 1-800-726-7390.

Insurance encourages consumers to use the complaint index as a "tiebreaker" in choosing an insurance policy - after carefully considering individual insurance needs, benefits, premium costs, service and other factors in your purchasing decision.

The complaint index measures how many complaints the Missouri Department of Insurance, Financial Institutions & Professional Registration received for a consecutive three-year period relative to the amount of product-specific premium a Missouri licensed company experienced that same period. The index is based on all closed complaints received for each type of policy. For instance, if a company issues both homeowners and automobile insurance policies, the data would be segmented into a homeowner complaint index and an automobile complaint index.

The higher the index number, the worse the complaint record:

• 100 percent means that the department received the normally expected number of complaints about that company.
• 99 percent or less indicates the company was the subject of less than the normally expected number of complaints.
• More than 100 percent shows the department received more than the normally expected number of complaints about that company.

Financial Ratings

You can check out A.M. Best Ratings (requires registration) and Standard & Poor's Ratings on their websites.

The Consumer Insurance Hotline -- 1-800-726-7390 -- provides information on whether a company is in good standing in Missouri and the A.M. Best Co.'s rating on the financial strength of up to three insurers. You may also contact the department's headquarters and regional offices for the same information: